Rewards Optimizer
Compare flat cashback vs a card with higher category earn on part of spend.
Inputs
$
Results
Est. monthly rewards (mix)
$92.80
≈ 6 movie tickets
Flat card monthly$48.00
Annual difference$537.60
How to Use This Calculator
- Enter your Monthly Spend — your typical total card spend per month.
- Set your Flat Card % — the baseline cashback or points rate on a flat-rate card.
- Enter the Bonus Category % — the elevated rate you earn in selected spend categories (groceries, dining, gas, etc.).
- Set Share in Bonus Categories to the percentage of your spend that falls into those bonus buckets.
- Compare Est. Monthly Rewards (Mix) against Flat Card Monthly rewards and Annual Difference to decide which card strategy pays more.
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